Hobo Finance

Budget split

Enter your monthly pay to split it into needs, wants and savings.

Rent or mortgage, bills, groceries, transport to work.

Eating out, subscriptions, hobbies, holidays.

Year by year

Hover or tap a bar to see that year.

Show the figures for every year

How this is worked out

  • The 50/30/20 guideline. Half of take-home pay to needs, 30% to wants, 20% to saving and investing. It is a starting point, not a rule.
  • Make it yours. Track what you spend for one month, then change the shares to match.
  • Raise the saved share over time. That brings forward the date you can stop working.
  • CPF is extra. Contributions are taken before your pay reaches you, so they come on top of this.